Following Sudara Rami Reddy sir is really worth it for me. I have changed a lot financially. I now feel like it would have been much better if I had followed him 10 years back.
If you do FD there is TDS deducted and you have to wait until year end to claim. It doesn't make sense to park @6.7%. Even debt funds or ELSs tax saver funds giving 12% minimum on average.